Summit Bank Routing Number (ABA): 121138958

Summit Bank at a glance

Its CET1 capital ratio was 20.74% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Total assets, Q2 2026

$264.4M

CET1 ratio, Q2 2026

20.74%

Deposit insurance

FDIC

Regulator

FDIC

Domestic offices

4 FDIC institution directory, current count

Established

1982

Full financial profile · Is Summit Bank safe? · Branch locations

What the digits mean

The first two digits, 12, place this number in the Federal Reserve Bank of San Francisco's district (District 12). Digits five through eight, 3895, identify the institution within that district. The last digit, 8, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to Summit Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your Summit Bank checks or in its online banking. Ask the bank for wire instructions (www.summitbanking.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About Summit Bank

Summit Bank is headquartered in Oakland, California and was established in 1982. It is in the SAN FRANCISCO-OAKLAND-FREMONT, CA metro area. It reported $264.4M in total assets and $207.6M in deposits for Q2 2026. See the largest banks in California by total assets. It reports 4 domestic offices. Its deposits have been FDIC insured since 1982. Its primary federal regulator is the FDIC. 5 other banks and credit unions headquartered in Oakland have a routing number listed here.

What the digits in 121138958 mean

The first four digits, 1211, are the Federal Reserve routing symbol. The prefix 12 places the number in the 12th Federal Reserve District (San Francisco). That is also the district where the bank is headquartered. Digits five through eight, 3895, identify the institution within its Federal Reserve district. The last digit, 8, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 11 + 7 x 10 + 17 = 120, a multiple of 10, so 121138958 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the Summit Bank routing number?

The Summit Bank routing number is 121138958. It is the primary ABA routing transit number registered to Summit Bank, headquartered in Oakland, CA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.

What is the Summit Bank wire routing number?

This page lists the primary routing number registered to Summit Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Summit Bank before sending a wire.

Is ABA number 121138958 the routing number for Summit Bank?

Yes. It is the primary routing number registered to Summit Bank.

Which bank uses routing number 121138958?

It belongs to Summit Bank, headquartered in Oakland, CA. It is the bank's primary ABA routing number (FDIC certificate 23864).

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Credit union

Utility District Credit Union: 321174385

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